About the company
SOGAZ-LIFE Insurance Company LLC is the life insurance arm of the SOGAZ group, established in 2004. It complements the group's universal insurer, SOGAZ, with savings and life and health protection plans for individuals.
The company has grown quickly in recent years: according to the Bank of Russia, it ranked third among all Russian insurers by premiums in 2025 and moved up to second in H1 2026. Its registered address is on Akademika Sakharova Avenue in Moscow, the same as SOGAZ.
Lines of insurance
The flagship product is single-premium endowment life insurance: the client pays a lump sum and receives the sum insured with investment income at maturity, with life cover throughout the term. Products are distributed mainly through large partner banks, including programmes for Gazprombank customers. Personal accident and group employee cover are also available.
For individuals
For businesses
Key features
The business is heavily concentrated on a single product, single-premium endowment insurance, so the offer suits those who want to place a sum for several years with insurance cover at the same time. When buying at a bank, make sure you understand you are signing an insurance contract, not opening a deposit: early-termination refund terms differ.
The company holds Bank of Russia licences SZh No. 3825 and SL No. 3825. A 14-day cooling-off period applies to most voluntary policies. Long-term life insurance contracts (signed from 2025 for at least 10 years) may qualify for the long-term savings tax deduction under Article 219.2 of the Tax Code — check the terms with the insurer.
Worth knowing: from 1 January 2027, under Federal Law No. 477-FZ of 26 December 2024, a guarantee scheme for life insurance payouts run by the Deposit Insurance Agency (DIA/ASV) comes into force. Until then there is no state guarantee on such policies, so check the insurer's reliability, ratings and early-termination terms before signing.
Key figures and ratings
According to the Bank of Russia, in 2025 the company collected RUB 329.9 billion in premiums and paid RUB 262.4 billion in claims, ranking 3rd among all Russian insurers by premiums with a market share of about 8.3%. In H1 2026 premiums totalled RUB 254.3 billion and claims paid RUB 169.0 billion.
| Indicator | 2025 | H1 2026 |
|---|---|---|
| Gross written premiums | RUB 329.9 billion | RUB 254.3 billion |
| Claims paid | RUB 262.4 billion | RUB 169.0 billion |
| Rank by premiums among Russian insurers | 3 | 2 |
Credit (financial strength) ratings on the national scale for the Russian Federation:
- Expert RA: ruAAA, stable outlook (rating action of 29.05.2026)
- NKR: AAA.ru, stable outlook (rating action of 08.12.2025)
Contacts and claims
- Phone: 8 800 600-04-40 (toll-free in Russia)
- Website: sogaz-life.ru
- Email: life@sogaz-life.ru
- Registered address: 10 Akademika Sakharova Ave., Moscow 107078
When an insured event occurs (death of the insured, disability, injury, a critical illness diagnosis or the maturity of a savings policy), notify the company by phone or via the online account and file a claim. You will usually need the recipient's passport, the policy, medical documents or a death certificate and bank details; heirs also need inheritance documents. The exact list and processing times are set out in the policy terms.
If you disagree with a refusal or the amount paid, first send a written complaint to the insurer. For claims of up to RUB 500,000 you must apply to the Financial Ombudsman before going to court; this is free of charge. You can also file a complaint with the Bank of Russia.
Polis Re specialists can help you compare offers from different insurers and choose a policy that fits your needs: send a request or use the comparison tool. Other market players are listed in our insurance company directory.